{"schema_version":"secwatch.filing_event.v1","accession":"0001015328-25-000213","form_type":"8-K","ticker":"WTFC","cik":"0001015328","company_name":"WINTRUST FINANCIAL CORP","filed_at":"2025-12-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.535959+00:00","generated_at":"2026-05-16T12:59:38.937639+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"Wintrust subsidiary extends receivables purchase facility to Dec 2026, reduces limit to $580M","bullets":["Thirteenth amending agreement extends commitment maturity to December 15, 2026.","Facility limit reduced from $650M to $580M under the RPA.","Wintrust confirms its performance guarantee for First Canada's obligations remains in full force.","Fee letter dated December 15, 2025 modifies fund costs, rates, and fees.","Technical and ministerial changes included in the amendment."],"urls":{"canonical":"https://secwatch.observer/filing/0001015328-25-000213","json":"https://secwatch.observer/filing/0001015328-25-000213.json","markdown":"https://secwatch.observer/filing/0001015328-25-000213.md","text":"https://secwatch.observer/filing/0001015328-25-000213.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1015328/000101532825000213/0001015328-25-000213-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1015328/000101532825000213/wtfc-20251215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T12:59:38.937639+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6fd7a3f2c5ff384414418c9414ba3798da80803d","claim":"WINTRUST FINANCIAL CORP amended credit facility of $580 million with CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust, by its financial services agent, Royal Bank of Canada maturing December 15, 2026.","evidence_excerpt":"the Commitment Maturity Date of the Receivables Purchase Agreement has been extended to December 15, 2026 and the facility limit has decreased from $650 million to $580 million.","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/1015328/000101532825000213/0001015328-25-000213-index.htm","confidence":0.9,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"credit facility"},{"label":"Principal","value":"$580 million"},{"label":"Counterparty","value":"CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust, by its financial services agent, Royal Bank of Canada"},{"label":"Maturity","value":"December 15, 2026"},{"label":"Event","value":"amendment"}],"fact_type":"debt_financing"},{"claim_id":"e23ebb6ee28799c89b401f7cc2c5b184e8934852","claim":"WINTRUST FINANCIAL CORP amended Thirteenth Amending Agreement with CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust valued at the facility limit has decreased from $650 million to $580 million (effective 2025-12-15).","evidence_excerpt":"On December 15, 2025, an indirect subsidiary of Wintrust Financial Corporation (“Wintrust”), First Insurance Funding of Canada Inc. (“First Canada) entered into the Thirteenth Amending Agreement, dated as of December 15, 2025 (the “Amendment”) to the Receivables Purchase Agreement dated as of December 16, 2014 (as amended, the “Receivables Purchase Agreement”) by and between First Canada and CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust (“Plaza Trust”), by its financial services agent, Royal Bank of Canada.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1015328/000101532825000213/0001015328-25-000213-index.htm","confidence":0.95,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"CIBC Mellon Trust Company, in its capacity as trustee of Plaza Trust"},{"label":"Value","value":"the facility limit has decreased from $650 million to $580 million"},{"label":"Effective","value":"2025-12-15"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}